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The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Patent No.:

US 12762530 B1

PDFFull Text
Date of Patent:
Oct. 13, 2026

Filed:

Jul. 10, 2024

Systems and methods for peer-to-peer secured instrument securitization

Applicant:

Synchrony Bank, Stamford, CT (US);

Inventors:

William Kievit, Stamford, CT (US);

Michael Storiale, Stamford, CT (US);

Kaeli Bridges, Stamford, CT (US);

Felicia Weathers, Stamford, CT (US);

Cody White, Stamford, CT (US);

Shruti Joshi, Stamford, CT (US);

Katie Bueltel, Stamford, CT (US);

Dominika Lichomska, Stamford, CT (US);

Assignee:

Synchrony Bank, Stamford, CT (US);

Attorney:

.Polsinelli PC

Primary Examiner:

Tien C Nguyen

Int. Cl.
CPC ...
G06Q 40/00 (2023.01); G06N 20/00 (2019.01); G06Q 20/22 (2012.01); G06Q 40/03 (2023.01);
U.S. Cl.
CPC ...
G06Q 20/223 (2013.01); G06N 20/00 (2019.01); G06Q 40/03 (2023.01);
Abstract

Systems and methods provide a framework through which securitization of a secured payment instrument is performed through real-time solicitation of peers for a security deposit associated with the secured payment instrument. The systems and methods, through training of machine learning algorithm, generate a recommendation for one or more peers that can be solicited for a security deposit associated with the secured payment instrument. If the security deposit is obtained, the secured payment instrument is issued. The security deposit is returned to the peers that contributed to the security deposit upon graduation of the secured payment instrument according to their pro rata contribution to the security deposit.

Find Patent Forward Citations

Kievit, William. (2026). Systems and methods for peer-to-peer secured instrument securitization (U.S. Patent No. 12762530). U.S. Patent and Trademark Office. https://idiyas.com/patent/badge/12762530

Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile

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